Membership and Account Agreement Disclosure

Revised 07/01/08 *

I/We agreed to the term and conditions of the Membership and Account Agreement, Truth-in Savings Rate and Fee Schedule, funds Availability Policy Disclosure, if applicable, and to any amendment the Credit Union makes from time to time which are incorporated herein. I/We acknowledge receipt of a copy of the Agreement and Disclosures applicable to the accounts and services requested herein. If an ATM card or EFT service is requested and provided, I/we agree to the terms of and acknowledge receipt of the Electronic Funds Transfer Agreement. (If you are in default on a financial obligation to us, federal law gives us the right to apply the balance of shares and dividends in your account at the time of default to satisfy that obligation. Once you are in default we may exercise that right without further notice to you.) I certify that I am eligible for membership because of my aforementioned relationship to a family member, employer or volunteer organization. I authorize the Credit Union to check my accounts, credit and employment history, and to obtain a credit report from third parties, including credit reporting agencies, to verify my eligibility for any accounts or services I have requested.

Joint Owner Information and Share Agreement

Interior Federal Credit Union is hereby authorized to recognize any of the signatures subscribed hereto in the payment of funds or the transaction of any business for this account. The joint owners of this account, hereby agree with each other and with said Credit Union that all sums now paid in on shares, or heretofore or hereafter paid in on shares, by any or all of said joint owners to their credit as such joint owner with all accumulations thereon, are and shall be owned by them jointly, with right of survivorship, and be subject to the withdrawal or receipt of any of them, and payment to any of them or the survivor or survivors shall be valid and discharge said Credit Union from any liability for such payment. Any or all said joint owners may pledge all or any part of the shares in this account as collateral security to a loan or loans. The right or authority of the Credit Union under this agreement shall not be changed or terminated by said owners, or any of them except by written notice to said Credit Union which shall not affect transactions theretofore made.

Accounts for Minors: The Credit Union reserves the right to require any minor account to be a joint account with an owner who has reached the age of majority under state law, who shall be jointly and severally liable to the Credit Union for any returned item, overdraft or unpaid charges on the account. The Credit Union may make payments of funds directly to the minor without regard to his or her minority. Unless a parent or guardian is an account owner with the minor, the parent or guardian shall not have any right to access the account. The Credit Union has no duty to inquire of the use or purpose of any transaction by the minor or any account owner.

Share Draft (Checking) and Money Market and Health Savings Account Checking (HSA) Agreement Disclosure

I/We authorize the Department of Interior Federal Credit Union (the Credit Union) to establish a special share draft and or Money Market and or HSA account for me/us to be known as a "Share Draft Account" or "Money Market Account" or "Health Savings Account". The Credit Union IS authorized to pay share drafts signed by me (or by any of us, if the Membership Application is signed by more than one person) and to charge the payments against the Share Draft, Money Market or HSA Account. For the Share Draft account only, if qualified, I may also receive a Visa Check Card for the primary account holder and Joint account holder/s, or if not qualified for a Visa Check Card, we may issue an ATM card to the account holder/s. It is further agreed that:

1. only share draft blanks and other methods approved by the Credit Union may be used to withdraw funds from the Share Draft, Money Market and HSA Account.
2. the Credit Union is under no obligation to pay a share draft which exceeds the balance in the Share Draft, Money Market Account or HSA; the Credit Union may, however, pay such a share draft and charge the amount of the resulting overdraft plus a service charge against any other share account in multiples of $50.00 from which the person who signed the share draft is entitled to withdraw shares; the Credit Union is under no obligation to pay a share draft on which the date is more than six months old;
3. if funds are not available to cover an overdraft as described above, the draft(s) will be returned;
4. except for negligence, the Credit Union is not liable for any action it takes regarding the payment or nonpayment of a share draft;
5. any objection respecting any item shown on a monthly statement of the Share Draft, Money Market or HSA Account shall be waived unless made in writing to the Credit Union on or before the twentieth day following the day the statement is mailed;
6. all non-cash payments received on shares in the Share Draft, Money Market and HSA Account will be credited subject to final payment;
7. the Share Draft, Money Market and HSA Account shall be subject to service charges in accordance with the rate schedules adopted by the Credit Union from time to time. The use of the Share Draft, Money Market and HSA Account is subject to such other terms, conditions and requirements as the Credit Union may establish from time to time;
8. if the Membership Application is signed by more than one person, this agreement is subject to the additional terms and conditions of any joint share account agreement that applies to a share account in our joint names; or if there is no such agreement, this agreement is subject to the additional terms and conditions printed below;
9. the Credit Union is hereby authorized to recognize any of the signatures subscribed in the membership agreement hereof in the payments of funds or the transaction of any business for this account. The joint owners of this account hereby agree with each other and with the Credit Union that all sums now paid in on shares, or heretofore or hereafter paid in on shares by any or all said joint owners to their credit as such joint owners with all accumulations thereon, are and shall be owned by them jointly, with right of survivorship and be subject to the withdrawal or receipt of any of them, and payment to any of them or the survivor or survivors shall be valid and discharge the Credit Union from any liability for such payment;
10. none of the shares in this account can be pledged as collateral security for any loan;
11. the right or authority of the Credit Union under this agreement shall not be changed or terminated by said owners, or any of them except by written notice to the Credit Union which shall not affect transactions theretofore made; and
12. additionally, during any month, You may not make more than six withdrawals from or transfers from the Money Market Account to another Credit Union Account of yours or to a third party by means of a pre-authorized or automatic transfer or telephonic order or instruction. No more than three of the six transfers may be made by check, draft, debit card, if applicable, or similar order to a third party. Each check in excess of three per calendar month (according to the date of payment presentation) may be returned, not paid and a Returned Check Fee will apply. The Credit Union reserves the right to require a member intending to make a withdrawal to give written notice of such intent not less than seven days and up to 60 days before any such withdrawal. If balance is below $500, you will be charged a fee in accordance to the Credit Union Fee policy if more than one withdrawal is done per month at the teller window.
13. in the event the Credit Union should issue a credit card to facilitate the use of such programs, the signature(s) on the Membership Application indicate my request for the issuance of such a credit card. I understand that this card would be used for identification and to facilitate savings and/or borrowing.

Electronic Funds Transfer Disclosure

An electronic funds transfer is a transfer of funds other than a transaction initiated by check, draft or other similar paper instrument that is initiated through an electronic terminal, telephone or computer or magnetic tape for the purpose of ordering, instructing, or authorizing Interior Federal Credit Union to debit (withdraw from) or credit (deposit) to an account. The following disclosures are made as required by the Electronic Funds Transfer Act and Regulation E issued hereunder, unless otherwise stated, the disclosures apply to both electronic funds transfer credits and debits as those terms are more particularly defined in the Act and Regulation E.

1. Documentation of Transfer: Receipts at ATM Locations - A descriptive acknowledgment will be issued to you upon completion of deposit, withdrawal, payment, and intra-institutional transfer at any of our Interior Federal Credit Union Offices. Electronic Deposits - If you have arranged to have electronic deposits made to your account at least once every sixty (60) days from the same third party, you can call us at 202-208-4607 to find out whether or not the deposit has been made. For your protection we will ask you to provide us with identifying information about your account. Periodic Statements - You will receive a monthly account statement showing electronic fund transfers during the month unless there are no transfers in a particular month in which case you will receive an account statement at least quarterly.

2. Your Responsibility:If you believe an unauthorized electronic funds transfer has been made or you have any questions concerning your EFT, including whether or not the transfer has been processed, you should promptly call 202-208-4607 or by mail: Interior FCU, 1849 C Street, NW, Room 4045, Washington, DC, 20240.

3. Business Days:Business days are Monday through Friday, excluding holidays.

4. Limitations on Frequency of Transfers: You may arrange for electronic funds transfer credits and debits to or from your account. There is no limitation on the frequency or on the dollar amount of electronic funds transfers through ATM's. Through Audio Response, you are limited to six (6) telephone or automatic transfers per month from any share type (except checking) to another share type. We may limit the number and the types of accounts to or from which we will allow EFT, Audio Response services. You may authorize a merchant or other payee to make a one-time electronic payment from your money market or share draft account using information from your check to pay for purchases and/or pay bills.

5. Service Fee Schedule: See Fee Schedule.

6. To Stop Payment of Pre-authorized Transfers: This section does not apply to loan payments or purchases made using a Check Card.

1. The right to stop payment and procedure for doing so - if you have told us in advance to make regular payments from your account, you can stop these payments.
   Contact the Credit Union by calling 202-208-3936 or write to Interior Federal Credit Union at 12201 Sunrise Valley Drive, Reston, VA 20192 in time for us to receive your request three (3) business days or more before your payment is scheduled to be made. If you call, we will also require you to put your request in writing within fourteen (14) days after you call.
2. Notification of Varying Amounts: The person you are going to pay will tell you ten (10) days before each payment when it will be made and how much it will be.
3. If you order us to stop one of these payments three (3) business days or more before the transfer is scheduled, and we do not do so, we will be liable for your losses or damages.

7. Consumer's Liability for Unauthorized Transfer: Tell us AT ONCE if you believe your ATM CARD or PIN (Personal Identification Number) for ATM or Audio Response or Home Banking has been lost or stolen, call: 800-914-8619 or write: Department of the Interior Federal Credit Union, 12201 Sunrise Valley Drive, Reston, VA 20192. Telephoning is the best way of keeping your possible losses down. Delayed notification could result in the loss of all the money in your account plus your maximum line of credit. If you tell us within two (2) business days, you can lose no more than $50.00 if someone uses your ATM CARD and/or PIN without your permission. If you do not notify us within two (2) business days after you hear of the loss or theft of your ATM CARD or PIN, and we can prove that we could have prevented someone from using your ATM CARD or PIN if you had told us, you could lose as much as $500.00. Also, if your statement shows transfers that you did not make, tell us at once. If you do not tell us within sixty (60) days after the statement was mailed to you, and we can prove that we could have stopped someone from taking the money if you had told us in time, you may not be able to recover any of the money that you lost after the sixty (60) days. However, if a good reason (such as a long trip or a hospital stay) kept you from notifying us, we may extend the time periods. You should also call number or write to the address listed above if you believe a transfer has been made using the information from your check without your permission.

8. Financial Institution's Liability for Failure to Make Transfers: If we do not complete a transfer to or from your account on time or in the correct amount according to our agreement(s) with you, we will be liable for your losses or damages. However, we are not liable if:

1. through no fault of ours, your account does not contain enough money to make the transfer.
2. the transfer would go over the credit limit on your approved line of credit.
3. the automated teller machine where you are making the transfer does not have enough cash.
4. the terminal was not working properly and you know about the breakdown.
5. circumstances beyond our control (such as fire or flood) prevent the transfer, despite reasonable precautions that we have taken.
6. your card has deteriorated or has been damaged so that it does not function properly.
7. a third party obligated to make a pre-authorized transfer to or from your account fails to initiate it in enough time for it to be processed as scheduled.
8. your card or PIN has been reported lost or stolen.
9. we have reason to believe that you or someone else is using your card or PIN for fraudulent or illegal purposes.
10. you try to make a withdrawal or transfer from a type of account that you do not have.
11. either you or we have terminated this agreement.

9. Disclosure of Account Information: We will disclose information to third parties about your account or the transfers you make:

1. where it is necessary for completing transfers; or
2. in order to verify the existence and condition of your account for a third party such as a merchant ; or
3. in order to comply with government agency or court orders; or
4. if you give us written permission.

10. In Case of Errors or Questions about your Electronic Funds Transfer: Telephone us at 202-208-3936 or write us at 12201 Sunrise Valley Drive, Reston,VA 20192 as soon as you can if you think your statement or receipt is wrong or if you need more information about a transfer listed on the statement or receipt. We must hear from you in writing no later than sixty (60) days after we send you the first statement on which the problem or error appeared.

1. Tell us your name and account number.
2. Describe the error or the transfer you are unsure about and explain as clearly as you can why you believe it is an error or why you need more information.
3. Tell us the dollar amount of the suspected error.

If you tell us orally, we will and do require that you send us your complaint or question in writing within ten (10) business days.
We will tell you the results of our investigation within ten (10) business days after we hear from you and will correct any error promptly. If we need more time, however, we may take up to forty-five (45) days, or ninety (90) days in the case of point of sale or international transactions, to investigate your complaint or question. If we decide to do this, we will re-credit your account within ten (10) business days, for the amount you think is in error, so that you will have the use of the money during the time it takes us to complete our investigation. If we ask you to put your complaint or question in writing and we do not receive it within ten (10) business days of this request, we will not re-credit your account. If we determine that there was no error, we will send you a written explanation within three (3) business days after we finish our investigation and debit the amount of the error that we previously credited. You may request copies of the documents that we used in our investigation.

Rule for New Accounts: We will tell you the results of our investigation within 20 business days to resolve the error, if the error involves an electronic fund transfer to or from an account within 30 days after the first deposit to the account was made (business days). If we can't resolve the error in 20 business days, we may take up tp 90 calendar days from the date we received notice of the error. If we decide to do this, we will re-credit your account within twenty (20) days for the amount you think is in error so that you will have the use of the money during the time it takes us to complete our investigation.
11. We have the right to modify or amend our Electronic Funds Transfer procedures or to terminate Electronic Funds Transfer privileges at any time.

Availability of Funds Policy (Check Hold Policy)

The policy of the Credit Union is to make funds available to members whenever the type of or the amount of the deposit does not represent a significant risk to the Credit Union and its members. In accordance with the following policies, the Credit Union will delay the availability of certain funds that are deposited into or cashed against an account. During the delay, the member cannot withdraw the funds in cash or check or to pay share drafts that have been written.
The length of the delay will be counted in business days from the day of the deposit. Every day is a business day except Saturdays, Sundays and federal holidays. If a deposit is made before 3:00 p.m. at the Reston Office or 4:00 p.m. at the 1849 C Street office (Main Interior Office) on a business day that the credit union is open, that day will be considered the day of the deposit. However, if a deposit is made after those hours or on a day that the Credit Union is not open, the deposit is considered made on the next business day.
The length of the delay will vary based upon the type and amount of deposit and is as follows:

1. Same Day Availability:
   If the following type of deposit is made in person to a Credit Union employee, or through the type of electronic deposits listed below, funds deposited into or cashed against a member's account will be available on the day the Credit Union receives the deposit: Electronic deposit; Cash; Wire transfers received before 3:00 p.m.; US Treasury checks payable to the member; State and Local government checks payable to the member; Clearly identified corporate payroll checks payable to the member; Checks drawn on the Department of the Interior Federal Credit Union; Cashiers, Certified and Tellers checks payable to the member; Travelers Checks signed in the presence of the Credit Union staff; Federal Reserve Bank checks and Federal Home Loan Bank Checks payable to the member and Money Orders payable to the member. If the above types of deposit are not made in person through a Credit Union employee (for example mailed to the Credit Union) funds will be available on the date the Credit Union receives the deposit.
2. Delayed Availability:
   Availability of funds for types of deposits not listed above in Section A will depend upon whether the check or similar type of deposit is local or non-local. The routing number on the bottom of the check will determine if it is considered a local or non-local check. Routing numbers are established by the Federal Reserve Banking system and are made available to all Credit union staff and upon request, to members. If a check is marked "payable through" the first four digits of the nine digit routing number will be used to determine if it is local or non-local based on the same Federal Reserve Banking System routing numbers.
   If the Credit Union is not going to make all funds available on the day of deposit, it will notify the member at the time of deposit. If a member needs the funds from the deposit immediately, a member may request accelerated availability. If the check or instrument is drawn on another bank or credit union, the Credit Union may make funds available immediately, but withhold a corresponding amount of funds that are already available upon deposit in the member's accounts with the Credit Union. Withheld funds will be available at the time the funds from the check or instrument would have been available. The availability of funds deposited by check, drafts, travelers check or similar types of deposits not set forth or complying with the conditions of Section A shall be delayed in accordance with the following schedule:
   1. Local Checks for Less Than $5,000. The first $100 from a deposit of local checks will be available on the first business day after the day of the deposit. The remaining funds will be available on the second business day after the day of deposit.
   2. Non-local Checks for Less Than $5000. The first $100 from a deposit of a non-local check will be available on the first business day after day of deposit. Remaining funds will become available on the fifth business day after the day of deposit.
   3. Large deposits. Funds from checks or similar types of deposits which total more than $5000 on any one day, except for the types of deposits identified in section A will be made available on the fifth business day after deposit. Checks and similar types of deposits, except for those types of deposits set forth in section A which total more than $10,000 may be held up to eleven days. Each member will be notified if the funds will not be available on the fifth business day, In calculating the total deposited to determine the large dollar thresholds, the types of deposits set forth in Section A are excluded.
   4. Unusual Circumstances.
      Availability of funds deposited by check or similar types of deposits (except for those set forth in Section A) will be delayed whenever:
   1. The Credit Union believes a check deposited by the member will not be paid.
   2. A check is re-deposited that has been returned unpaid.
   3. An account is overdrawn or has been overdrawn repeatedly during the last six months.
   4. There is an unforeseen emergency, such as failure of communications or computer equipment.
   5. Any other factors or circumstances which may cause the Credit Union to believe that availability in accordance with the schedules established in Section B.1,2 and 3 may result in loss to the Credit Union and its members.
      Each member will be notified if the Credit Union delays the availability of funds due to unusual circumstance, the reasons for the delay, and when the funds will be available. The delay in availability will not exceed 11 business days after the day of deposit.
3. Special rules for new accounts.
   The following special rules will apply during the first 30 days an account is open.
   Funds from electronic direct deposits, cash, wire transfers and the first $5,000 of the days total deposits of Cashier's, Certified, Teller's, Traveler's and federal, State and local government checks will be available on the day of the deposit if the check is payable to the members. The excess over $5000 will be available on the ninth business day after the day of the deposit. If the deposit of these checks (other than US Treasury checks is not made in person to one of our employees, the first $5000 will be available on the second business day of the member's deposit.
   Funds from all other checks deposited will be available on the fifth business day after the day of the deposit.
4. Holds on other funds (check cashing).
   If we cash a check for a member that is drawn on another bank except as in Item 1(A), we will withhold the availability of a corresponding amount of funds that are already in your account. Those funds will be available at the time funds from the check we cashed would have been available to the member if the funds had been deposited.The above policy will apply to apply to both the saving account and the share draft account of members.

TRUTH-IN-SAVINGS DISCLOSURE

Common Features for All Accounts

Bylaw requirements: You must complete payment of one share in your Share account as a condition of admission to membership. If the balance in your Share account falls below the par value of one share, and you do not increase the balance to at least the par value of one share within six months of the reduction, you may be terminated from membership immediately.

Transaction limitation: We reserve the right to at any time require not less than seven days notice in writing before each withdrawal from a dividend bearing account other than a time deposit, or from any other savings account as defined by Regulation D.

Transaction types and limitations: You may use your ATM or Visa Checkcard to withdraw cash from your savings or share draft account, make deposits to your savings or share draft account, transfer funds between your savings and share draft accounts whenever you request, pay for purchases at places that have agreed to accept the ATM or Visa Checkcard, and pay bills directly by telephone from your savings or share draft account in the amounts and on the days you request (some of these services may not be available at all terminals). You may withdraw up to $400.00 from our terminals every 24 hours, each time you use your ATM or Visa Checkcard. You may buy up to $1,500.00 worth of goods or services every 24 hours when you use your Checkcard.

Nature of dividends:Dividends are paid from current income and available earnings, after required transfers to reserves at the end of a dividend period. (This disclosure further explains the dividend feature of your non-term share account(s).)

National Credit Union Share Insurance Fund: Member accounts in this credit union are federally insured by the National Credit Union Share Insurance Fund.

Fees: Please refer to our separate fee schedule for additional information about charges.

Share Account

Rate Information:The dividend rate and annual percentage yield may change every Quarter. We may change the dividend rate for your account as determined by the credit union board of directors.

Compounding and crediting-Dividends will be compounded every quarter. Dividends will be credited to your account every quarter.

Dividend period - For this account type, the dividend period is quarterly, for example, the beginning date of the first dividend period of the calendar year is January 1, and the ending date of such dividend period is March 31. All other dividend periods follow this same pattern of dates. The dividend declaration date follows the ending date of a dividend period, and for the example above is April 1.

Minimum balance requirements: The minimum required to open this account is the purchase of a share in the credit union. You must maintain a minimum average daily balance of $25.00 in your account to obtain the disclosed annual percentage yield.

Par value of a share: The par value of a share in this account is $25.00.

Average daily balance computation method - Dividends are calculated by the average daily balance method which applies a periodic rate to the average daily balance in the account for the period. The average daily balance is calculated by adding the balance in the account for each day of the period and dividing that figure by the number of days in the period. The period we use is the quarterly statement cycle.

Accrual of dividends on non-cash deposits - Dividends will begin to accrue on the business day you place non-cash items (for example, checks) in your account.

Transaction limitations: During any month, you may not make more than six withdrawals or transfers to another credit union account of yours or to a third party by means of telephonic order or instruction. No more than three of the six transfers may be made by check, draft, or similar order to a third party. If you exceed the transfer limitations set forth above, your account will be subject to closure by the credit union.

Any withdrawal in excess of one per pay period will incur a fee if the share balance is less than $500.00.

Money Market Account

Rate Information: The dividend rate and annual percentage yield may change every quarter. We may change the dividend rate for your account as determined by the credit union board of directors.

Compounding and crediting - - Dividends will be compounded every quarter. Dividends will be credited to your account every quarter. Withdrawal of all funds in the account will be treated as closing the account and all accrued but un-posted dividends will be forfeited.

Dividend period -For this account type, the dividend period is quarterly, for example, the beginning date of the first dividend period of the calendar year is January 1, and the ending date of such dividend period is March 31. All other dividend periods follow this same pattern of dates. The dividend declaration date follows the ending date of a dividend period, and for the example above is April 1.

Minimum balance requirement: The par value of a share in the Credit Union is $25.00. There is not a minimum balance required to open the account. You must maintain a minimum average daily balance of $1,000 in your account to obtain the disclosed annual percentage yield.

Average daily balance computation method - Dividends are calculated by the average daily balance method, which applies a periodic rate to the average daily balance in the account for the period. The average daily balance is calculated by adding the balance in the account for each day of the period and dividing that figure by the number of days in the period. The period we use is the quarterly statement cycle.

Accrual of dividends on non-cash deposits - Dividends will begin to accrue on the business day you place non-cash items (for example, checks) in your account.

Transaction limitations The money market account is subject to Federal Reserve Regulation D, which permits no more than six debits or transfers (to include overdraft protection transfers) per statement cycle to another account of yours at this institution or to a third party. These transfers may be preauthorized or automatic transfer or telephonic agreement, but no more than three of the six may be by check, checks converted to electronic transactions or electronic bill payments to third parties. Transactions not within these limitations may result in fees or the closure of your account. The Credit Union reserves the right to require a member intending to make a withdrawal to give written notice of such intent not less than seven days and up to 60 days before any such withdrawal. Also, you may visit the credit union to withdraw funds, have us mail a check payable to you, or withdraw money with your ATM card. These are not third-party transactions and are not limited; however, normal transaction fees will apply. Account funds may not be pledged as security for a loan.

Share Draft Account (Checking)

Rate Information: The dividend rate and annual percentage yield may change every quarter. We may change the dividend rate for your account as determined by the credit union board of directors.

Compounding and crediting - Dividends will be compounded every quarter. Dividends will be credited to your account every quarter. Withdrawal of all funds in the account will be treated as closing the account and all accrued but un-posted dividends will be forfeited.

Dividend period -For this account type, the dividend period is quarterly, for example, the beginning date of the first dividend period of the calendar year is January 1, and the ending date of such dividend period is March 31. All other dividend periods follow this same pattern of dates. The dividend declaration date follows the ending date of a dividend period, and for the example above is April 1.

Minimum balance requirement: The par value of a share in the Credit Union is $25.00. No other minimum balance requirements apply to this account.

Average daily balance computation method - Dividends are calculated by the average daily balance method, which applies a periodic rate to the average daily balance in the account for the period. The average daily balance is calculated by adding the balance in the account for each day of the period and dividing that figure by the number of days in the period. The period we use is the quarterly statement cycle. Accrual of dividends on non-cash deposits - Dividends will begin to accrue on the business day you place non-cash items (for example, checks) in your account.

Transaction limitations: No transaction limitations apply to this account unless otherwise stated in the Common Features section.

Share IRA / Roth/ Coverdell Savings Account

Rate Information: The dividend rate and annual percentage yield may change every month. We may change the dividend rate for your account as determined by the credit union board of directors.

Compounding and crediting - Dividends will be compounded every month. Dividends will be credited to your account every month.

Dividend period - For this account type, the dividend period is monthly, for example, the beginning date of the first dividend period of the calendar year is January 1, and the ending date of such dividend period is January 31. All other dividend periods follow this same pattern of dates. The dividend declaration date follows the ending date of a dividend period, and for the example above is February 1.

Minimum balance requirements: The minimum balance required to open this account is $10.00. The par value of a share in the Credit Union is $25.00.

Average daily balance computation method: Dividends are calculated by the average daily balance method which applies a periodic rate to the average daily balance in the account for the period. The average daily balance is calculated by adding the balance in the account for each day of the period and dividing that figure by the number of days in the period. The period we use is the monthly statement cycle.

Accrual of dividends on non-cash deposits - Dividends will begin to accrue on the business day you place non-cash items (for example, checks) in your account.

Transaction limitations: Any withdrawal before the age 59 1/2 will incur a fee of $25.00. IRA contributions: made through Online Banking are for the current calendar year only. To make a contribution for a previous calendar year we must have your written authorization. Please contact us for more information.

HolidayClub/Vacation Account

Rate Information: The dividend rate and annual percentage yield may change every Quarter. We may change the dividend rate for your account as determined by the credit union board of directors.

Compounding and crediting - Dividends will be compounded every quarter. Dividends will be credited to your account every quarter.

Closing: If you close your account before dividends are paid you will not receive the accrued dividends.

Dividend period -For this account type, the dividend period is quarterly, for example, the beginning date of the first dividend period of the calendar year is January 1, and the ending date of such dividend period is March 31. All other dividend periods follow this same pattern of dates. The dividend declaration date follows the ending date of a dividend period, and for the example above is April 1.

Minimum balance requirements: The minimum balance required to open this account is $10.00. The par value of a share in the Credit Union is $25.00.

Average daily balance computation method - Dividends are calculated by the average daily balance method, which applies a periodic rate to the average daily balance in the account for the period. The average daily balance is calculated by adding the balance in the account for each day of the period and dividing that figure by the number of days in the period. The period we use is the quarterly statement cycle.

Accrual of dividends on non-cash deposits - Dividends will begin to accrue on the business day you place non-cash items (for example, checks) in your account.

Transaction limitations (only applies to Holiday Club Account): You may not make any withdrawals from this account prior to October 1st. On October 1st the funds will be transferred into your share account and are available at your convenience.

Early withdrawal penalty (only applies to Holiday Club Account: a withdrawal from this account before the end of the club term may result in closing this account and all accrued but un-posted dividends will be forfeited.

Health Savings Account (HSA)

Rate Information: The dividend rate(s) and annual percentage yield(s) and account balance dividend tiers may change every month as determined by the credit union board of directors. This means the advertised rates and average-balance dividend tiers are those in effect at the time the advertisement was prepared and may not be the final ones for the month.

Compounding and crediting -Dividends will be compounded every month. Dividends will be credited to your account every month.

Dividend period - For this account type, the dividend period is monthly, for example, the beginning date of the first dividend period of the calendar year is January 1, and the ending date of such dividend period is January 31. All other dividend periods follow this same pattern of dates. The dividend declaration date follows the ending date of a dividend period, and for the example above is February 1.

Minimum balance requirement: The par value of a share in the Credit Union is $25.00. No other minimum balance requirements apply to this account.

Average daily balance computation method - Dividends are calculated by the average daily balance method, which applies a periodic rate to the average daily balance in the account for the period. The average daily balance is calculated by adding the balance in the account for each day of the period and dividing that figure by the number of days in the period. The period we use is the monthly statement cycle.

Accrual of dividends on non-cash deposits - Dividends will begin to accrue on the business day you place non-cash items (for example, checks) in your account.

Transaction limitations: Transaction limitations apply to this account as outlined in the HSA Trust Application Packet and as stated in the Common Features section.

Annual fee:$35   Closed account fee: $25   IRA contributions: made through Online Banking are for the current calendar year only. To make a contribution for a previous calendar year we must have your written authorization. Please contact us for more information.

Share Certificates 6 to 48 Months

Rate Information: The interest rate and annual percentage yield are shown on the rate sheet. The interest rate for your account will be paid until the maturity date of your certificate. The certificate will mature in six(6) to forty-eight (48) months. The annual percentage yield is based on an assumption that dividends will remain in the account until maturity. A withdrawal will reduce earnings.

Minimum Balance Requirements: The minimum balance required to open a share certificate account is $500.00. If your account falls below this amount we reserve the right to close the account. You must maintain a minimum daily balance of $500.00 in your account each day to obtain the disclosed annual percentage yield.

Compounding Frequency: Share certificate terms of 12 months or less, dividends will not compound, share certificate terms over 12 months, dividends will compound every quarter.

Crediting Frequency: Dividends will be credited every quarter.

Dividend Period: The dividend period is quarterly.

Daily Balance Computation Method: Dividends are calculated by the daily balance method which applies a daily periodic rate to the principal balance in the account each day.

Accrual of Dividends on Non-Cash Deposits: Dividends will begin to accrue on the business day you place non-cash items (for example, checks) in your account.

Transaction Limitations: After the account is opened, you may not make additional deposits into the acccount. You may make withdrawals of principal from your account before maturity only if we agree at the time you request the withdrawal. Principal withdrawn before maturity may be suject to an early withdrawal penalty. Credit union bylaws give the credit union the authority to impose a notice of up to 60 days for withdrawal of shares.

Early Withdrawal Penalties: (A penalty may be imposed for withdrawals or closing the account before maturity)

1. If your account has an original maturity of less than one year: The penalty we may impose will equal 30 days dividends on the amount withdrawn subject to penalty whether earned or not.

2. If your account has an original maturity of one year or more: The penalty we may impose will equal 90 days dividends on the amount withdrawn subject to penalty whether earned or not.

There are certain circumstances, such as the death or incompetence of an owner, where we may waive or reduce this penalty. Also, when the owner of the certificate that is an IRA; attains the age of 59 1/2 or becomes disabled.

Renewal Policy: At the member's option, this account may or may not automatically renew at maturity. If the share certificate does not automatically renew, the funds including dividends will be transferred into your share savings account and you will no longer earn dividends at the certificate rate after maturity. If the account automatically renews, it will be for the same term and receive the prevailing rate at the time of maturity.

Money Order and Travelers Check

A minimum balance of $5,000 is required in Share Account for free Money Orders and Travelers Checks. The fee schedule for balances below $5,000 is as follows: Money Orders $2.00 per money order and Travelers Check 1% of the face value of the Travelers check.

Last declared dividend rate of the account you opened:

Share Account

Tier 1 - As of the last dividend declaration date, if your average daily balance was $0.01 or more, the dividend rate paid on the entire balance of your account was 1.00 %, with an annual percentage yield of 1.01%.

Tier 2 - As of the last dividend declaration date, if your average daily balance was more than $1500.00, the dividend rate paid on the entire balance in your account was 1.60 %, with an annual percentage yield of 1.61%.

Last declared dividend rate: Money Market Account

This account is subject to a Tiered Variable Rate. As of the effective date of this disclosure, the dividend rates and APY for these accounts were as follows:

Last declared dividend rate: Health Savings Account

This account is subject to a Tiered Variable Rate. As of the effective date of this disclosure, the dividend rates and APY for these accounts were as follows:

Last declared dividend rate: Share Draft Account

Tier 1 - As of the last dividend declaration date, if your average daily balance was $0.01 or more, the dividend rate paid on the entire balance of your account was 0.25%, with an annual percentage yield of 0.27%.

Tier 2 - As of the last dividend declaration date, if your average daily balance was more than $1500.00, the dividend rate paid on the entire balance in your account was 0.75%, with an annual percentage yield of 0.76%.

Share IRA/ Roth / Coverdell Savings Account

Last declared dividend rate: As of the last dividend declaration date, the dividend rate was 2.25 % with an annual percentage yield of 2.27% on your account.

Holiday Club Account/Vacation Club Account

Last declared dividend rate: As of the last dividend date, the dividend rate was 1.00% with an annual percentage yield of 1.01% on your account.

Share Certificates, 6 to 48 Months

6 month dividend rate 2.75% ,annual percentage yield 2.78% ,12 month dividend rate 2.90% ,annual percentage yield 2.93% ,24 month dividend rate 3.10% ,annual percentage yield 3.13% ,36 month dividend rate 3.20% ,annual percentage yield 3.23% ,48 month dividend rate 3.30% ,annual percentage yield 3.33%